FakecreditcardReal BINs from banks in China
The generator above is preset with BIN 519412, a Mastercard credit range of Agricultural Bank of China. Each row below is a different bank. Switching keeps that bank's prefix, randomizes the middle digits and recomputes the check digit, with a fresh expiry and CVV.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 519412 | Agricultural Bank of China | Mastercard | Credit · Standard | Use |
| 454693 | Bank of Guiyang Co., Ltd | Visa | Credit · Platinum | Use |
| 513685 | Industrial and Commercial Bank of China, Ltd | Mastercard | Credit · Standard | Use |
| 512451 | Shanghai Pudong Development Bank | Mastercard | Credit · Gold | Use |
| 517813 | Bank of China, Ltd | Mastercard | Credit · Titanium | Use |
| 512007 | China Guangfa Bank Co., Ltd | Mastercard | Credit · Standard | Use |
| 404286 | China Construction Bank Corporation | Visa | Credit | Use |
| 518711 | China Merchants Bank | Mastercard | Credit | Use |
| 601382 | Bank of China | UnionPay | Debit · Personal | Use |
Each row is a different bank: its most common Visa or Mastercard range, plus local-network BINs. All 6,233 BINs with a named issuer are in the China BIN list.
Local card networks in China
Local schemes are where card forms usually break: their prefixes are missing from many brand-detection libraries. These are the domestic networks of China.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| UnionPay (China UnionPay) China UnionPay Co., Ltd. (international business: UnionPay International) |
62, 81000000-81719999 | 16, 17, 18, 19 | Yes | China's national bank card network. No as a rule (its own network); in the US UnionPay cards are routed over Discover. Source |
BIN counts for local networks in our dataset:
| Network | About | BINs | Share | Example BIN |
|---|---|---|---|---|
| UnionPay | China UnionPay, the domestic network founded in 2002 | 12,973 | 71% | 601382 Bank of China |
Largest card issuers in China
The 10 banks with the most BINs in the data, out of 1,031 named issuers. The three largest issuers — Agricultural Bank of China, Bank of Guiyang and Industrial and Commercial Bank of China — hold 39% of the BINs with a named bank. Follow a bank name for its complete list of ranges.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Agricultural Bank of China | 1,077 | Local brand | 94% |
| Bank of Guiyang Co., Ltd. | 1,001 | Private label | 100% |
| Industrial and Commercial Bank of China, Ltd. | 332 | UnionPay | 18% |
| Shanghai Pudong Development Bank | 246 | Private label | 65% |
| Bank of China, Ltd. | 221 | UnionPay | 32% |
| China Guangfa Bank Co., Ltd. | 150 | UnionPay | 72% |
| China Construction Bank | 143 | Mastercard | 45% |
| CN ICBC Peony Money Link Card | 126 | UnionPay | 99% |
| China Merchants Bank | 110 | UnionPay | 47% |
| Air China | 100 | UATP | 0% |
Card networks and card types in China
Our BIN data lists 18,370 BINs registered to China, 6,233 of them with a named issuer across 1,031 banks. UnionPay is the most common network (71% of the BINs), followed by Maestro (8%). Debit ranges outnumber credit ranges 16,066 to 2,304. Visa and Mastercard hold a similar number of ranges. 66 ranges are prepaid or gift products and 257 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| UnionPay | 12,973 | 71% | 12,159 | 814 |
| Maestro | 1,469 | 8% | 1,469 | 0 |
| Private label | 1,395 | 8% | 1,325 | 70 |
| Local brand | 907 | 5% | 907 | 0 |
| Visa | 564 | 3% | 105 | 459 |
| Mastercard | 500 | 3% | 76 | 424 |
| UATP | 299 | 2% | 0 | 299 |
| American Express | 116 | 1% | 18 | 98 |
Most common product levels: Standard (1,929), Personal (1,155), Jiaxiu Card (1,000), Classic (684), UATP (299).
Payment testing notes for China
- Currency: CNY (Chinese yuan (renminbi)). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card authentication: Online UnionPay card payments are usually confirmed with a one-time code sent by SMS to the cardholder's registered phone (UnionPay SecurePlus/online payment), entered at checkout for each purchase unless the card is vaulted. Source
- Card country: Many risk engines flag a mismatch between the card's issuing country (CN), the IP address and the billing country. Test both: a local BIN from the table, then a BIN from another country.
- Debit vs credit: At 87% debit ranges, China is more debit-heavy than 61 of the 62 other countries on this site. Card type matters for surcharges, installment plans and stored-card billing: test each.
- Billing details: postcodes in China are 6 digits (first two show the province-level division) (e.g. 100000); phone numbers use +86 — 11-digit mobile number starting with 1, after +86 (national trunk prefix 0 for landlines).
- Alipay and WeChat Pay dominate online payments; cards are often linked to them rather than typed in.
Paying online in China: local methods and gateways
Cards are only part of the picture. These payment methods are popular in China and usually sit next to the card form at checkout:
- Alipay (wallet) — Ant Group's wallet; customers approve in the Alipay app, there is no dispute process, and refunds are allowed for up to 90 days (Stripe). Source
- WeChat Pay (wallet) — Tencent's wallet inside WeChat; on the web the customer scans a QR code to pay. Source
Payment gateways developers commonly integrate for China, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Alipay (open platform / Alipay global) | Alipay offers a sandbox that mimics production API responses for creating, cancelling and refunding transactions. | Official docs |
| Adyen (UnionPay SecurePlus) | Global PSP whose UnionPay integration covers the SMS-code flow for Chinese cardholders. | Official docs |
| Stripe (Alipay and WeChat Pay) | Lets merchants outside China accept Alipay and WeChat Pay. | Official docs |
Card generators for other countries
← Generators for other countries · China BIN list · BIN generator · BIN checker
BIN data: bin-list-data by Venelin Kochev (a lite version of binlookup.io), licensed under CC BY 4.0. Changes made by Fakecreditcard: issuer, brand and country names re-cased and standardized, spelling variants of the same issuer merged, malformed phone numbers and web addresses removed.
Frequently asked questions
Can I generate a China credit card number for testing?
Yes: the default prefix is 519412, a Mastercard credit range of Agricultural Bank of China. The generator adds random digits and a Luhn check digit, plus an expiry date and CVV. They are test data only: no account sits behind them.
Which card networks are most common in China?
By BIN count in our data: UnionPay 71%, Maestro 8%, Private label 8%, Local brand 5%. Local networks: UnionPay (12,973 BINs). Debit ranges make up 87% and credit ranges 13%.
Which BINs do Visa cards from China start with?
Examples from different banks: 454693 (Bank of Guiyang Co., Ltd); 404286 (China Construction Bank Corporation). See the China BIN list for every bank.
Which currency should I use to test payments from China?
CNY (Chinese yuan (renminbi)). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). Shoppers with cards from China can still be charged in other currencies; their bank converts the amount.
Can I use a generated China card number to buy something?
They do not. A generated number only has the right shape; Agricultural Bank of China or any other issuer has never heard of it, so authorization always fails. Real alternatives: a virtual card from a bank in China or a wallet such as Alipay and WeChat Pay. Testing a checkout? Use your gateway’s sandbox test cards.
What does a UnionPay (China UnionPay) card number look like?
UnionPay (China UnionPay) numbers start with 62 and 81000000–81719999 and have 16/17/18/19 digits with a Luhn check digit. China's national bank card network. Make sure your card form accepts these prefixes instead of rejecting them as an unknown brand.
Which payment methods should a checkout for China offer next to cards?
Alipay: Ant Group's wallet; customers approve in the Alipay app, there is no dispute process, and refunds are allowed for up to 90 days (Stripe). WeChat Pay: Tencent's wallet inside WeChat; on the web the customer scans a QR code to pay.